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LOANS HELD FOR INVESTMENT, NET - Allowance for Credit Losses Activity (Details) - USD ($) | 3 Months Ended | 12 Months Ended
--- | --- | ---
Mar. 31, 2022 | Mar. 31, 2021 | Dec. 31, 2021
Allowance for loan losses [Roll Forward] |  |  |
Beginning balance | $ 83,853,000 | $ 41,461,000 | $ 41,461,000
PCD Day 1 |  | 52,284,000 |
(Credit) provision for credit losses | (1,654,000) | 12,649,000 |
Charge-offs | (2,638,000) | (4,275,000) |
Recoveries | 54,000 |  |
Ending balance | 79,615,000 | 98,200,000 | 83,853,000
Amortized cost basis of loans on non-accrual status |  |  |
Non-accrual with No Allowance | 2,253,000 |  | 1,649,000
Non-accrual with Allowance | 33,709,000 |  | 38,658,000
Reserve | 16,623,000 |  | 19,409,000
Interest income on non-accrual loans held for investment |  |  |
Interest income on non-accrual loans | 0 | 0 |
Cumulative Effect, Period of Adoption, Adjustment |  |  |
Allowance for loan losses [Roll Forward] |  |  |
Beginning balance |  | (3,919,000) | (3,919,000)
Cumulative Effect, Period of Adoption, Adjusted Balance |  |  |
Allowance for loan losses [Roll Forward] |  |  |
Beginning balance |  | 37,542,000 | 37,542,000
Total real estate loans |  |  |
Allowance for loan losses [Roll Forward] |  |  |
Beginning balance | 47,771,000 | 28,712,000 | 28,712,000
PCD Day 1 |  | 28,753,000 |
(Credit) provision for credit losses | (2,781,000) | 9,059,000 |
Charge-offs |  | (258,000) |
Recoveries | 2,000 |  |
Ending balance | 44,992,000 | 64,290,000 | 47,771,000
Total real estate loans | Cumulative Effect, Period of Adoption, Adjustment |  |  |
Allowance for loan losses [Roll Forward] |  |  |
Beginning balance |  | (1,976,000) | (1,976,000)
Total real estate loans | Cumulative Effect, Period of Adoption, Adjusted Balance |  |  |
Allowance for loan losses [Roll Forward] |  |  |
Beginning balance |  | 26,736,000 | 26,736,000
One-to-four family residential and cooperative/condominium apartment |  |  |
Allowance for loan losses [Roll Forward] |  |  |
Beginning balance | 5,932,000 | 644,000 | 644,000
PCD Day 1 |  | 2,220,000 |
(Credit) provision for credit losses | (1,404,000) | 1,235,000 |
Charge-offs |  | (14,000) |
Ending balance | 4,528,000 | 5,133,000 | 5,932,000
Amortized cost basis of loans on non-accrual status |  |  |
Non-accrual with Allowance | 5,241,000 |  | 7,623,000
Reserve | 151,000 |  | 1,278,000
One-to-four family residential and cooperative/condominium apartment | Cumulative Effect, Period of Adoption, Adjustment |  |  |
Allowance for loan losses [Roll Forward] |  |  |
Beginning balance |  | 1,048,000 | 1,048,000
One-to-four family residential and cooperative/condominium apartment | Cumulative Effect, Period of Adoption, Adjusted Balance |  |  |
Allowance for loan losses [Roll Forward] |  |  |
Beginning balance |  | 1,692,000 | 1,692,000
Multifamily residential and residential mixed-use |  |  |
Allowance for loan losses [Roll Forward] |  |  |
Beginning balance | 7,816,000 | 17,016,000 | 17,016,000
PCD Day 1 |  | 3,292,000 |
(Credit) provision for credit losses | (757,000) | (1,397,000) |
Charge-offs |  | (236,000) |
Recoveries | 2,000 |  |
Ending balance | 7,061,000 | 10,421,000 | 7,816,000
Multifamily residential and residential mixed-use | Cumulative Effect, Period of Adoption, Adjustment |  |  |
Allowance for loan losses [Roll Forward] |  |  |
Beginning balance |  | (8,254,000) | (8,254,000)
Multifamily residential and residential mixed-use | Cumulative Effect, Period of Adoption, Adjusted Balance |  |  |
Allowance for loan losses [Roll Forward] |  |  |
Beginning balance |  | 8,762,000 | 8,762,000
Acquisition, development, and construction |  |  |
Allowance for loan losses [Roll Forward] |  |  |
Beginning balance | 4,857,000 | 1,993,000 | 1,993,000
PCD Day 1 |  | 117,000 |
(Credit) provision for credit losses | (99,000) | 1,408,000 |
Ending balance | 4,758,000 | 3,899,000 | 4,857,000
Amortized cost basis of loans on non-accrual status |  |  |
Non-accrual with No Allowance | 665,000 |  |
Acquisition, development, and construction | Cumulative Effect, Period of Adoption, Adjustment |  |  |
Allowance for loan losses [Roll Forward] |  |  |
Beginning balance |  | 381,000 | 381,000
Acquisition, development, and construction | Cumulative Effect, Period of Adoption, Adjusted Balance |  |  |
Allowance for loan losses [Roll Forward] |  |  |
Beginning balance |  | 2,374,000 | 2,374,000
Commercial real estate ("CRE") |  |  |
Allowance for loan losses [Roll Forward] |  |  |
Beginning balance | 29,166,000 | 9,059,000 | 9,059,000
PCD Day 1 |  | 23,124,000 |
(Credit) provision for credit losses | (521,000) | 7,813,000 |
Charge-offs |  | (8,000) |
Ending balance | 28,645,000 | 44,837,000 | 29,166,000
Amortized cost basis of loans on non-accrual status |  |  |
Non-accrual with No Allowance | 1,254,000 |  | 1,301,000
Non-accrual with Allowance | 3,719,000 |  | 3,752,000
Reserve | 1,564,000 |  | 797,000
Commercial real estate ("CRE") | Cumulative Effect, Period of Adoption, Adjustment |  |  |
Allowance for loan losses [Roll Forward] |  |  |
Beginning balance |  | 4,849,000 | 4,849,000
Commercial real estate ("CRE") | Cumulative Effect, Period of Adoption, Adjusted Balance |  |  |
Allowance for loan losses [Roll Forward] |  |  |
Beginning balance |  | 13,908,000 | 13,908,000
Commercial and Industrial ("C&I") Loans |  |  |
Allowance for loan losses [Roll Forward] |  |  |
Beginning balance | 35,331,000 | 12,737,000 | 12,737,000
PCD Day 1 |  | 23,374,000 |
(Credit) provision for credit losses | 1,516,000 | 3,219,000 |
Charge-offs | (2,635,000) | (4,017,000) |
Recoveries | 51,000 |  |
Ending balance | 34,263,000 | 33,378,000 | 35,331,000
Amortized cost basis of loans on non-accrual status |  |  |
Non-accrual with No Allowance | 334,000 |  | 348,000
Non-accrual with Allowance | 24,666,000 |  | 26,918,000
Reserve | 14,829,000 |  | 16,973,000
Commercial and Industrial ("C&I") Loans | Cumulative Effect, Period of Adoption, Adjustment |  |  |
Allowance for loan losses [Roll Forward] |  |  |
Beginning balance |  | (1,935,000) | (1,935,000)
Commercial and Industrial ("C&I") Loans | Cumulative Effect, Period of Adoption, Adjusted Balance |  |  |
Allowance for loan losses [Roll Forward] |  |  |
Beginning balance |  | 10,802,000 | 10,802,000
Other Loans |  |  |
Allowance for loan losses [Roll Forward] |  |  |
Beginning balance | 751,000 | 12,000 | 12,000
PCD Day 1 |  | 157,000 |
(Credit) provision for credit losses | (389,000) | 371,000 |
Charge-offs | (3,000) |  |
Recoveries | 1,000 |  |
Ending balance | 360,000 | 532,000 | 751,000
Amortized cost basis of loans on non-accrual status |  |  |
Non-accrual with Allowance | 83,000 |  | 365,000
Reserve | $ 79,000 |  | 361,000
Other Loans | Cumulative Effect, Period of Adoption, Adjustment |  |  |
Allowance for loan losses [Roll Forward] |  |  |
Beginning balance |  | (8,000) | (8,000)
Other Loans | Cumulative Effect, Period of Adoption, Adjusted Balance |  |  |
Allowance for loan losses [Roll Forward] |  |  |
Beginning balance |  | $ 4,000 | $ 4,000

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